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Credit Bureau Info:

Experian: 800-493-1058 With A Report Number

Experian: 714-830-7000 (Without A Report Number) Call and Press 0. You will get connected to the switchboard operator. Tell them you just called in and entered your report number and the automated system disconnected you. Ask them if they can get a human on the line for disputes. That's the only way you'll be able to get through to a live person at Experian without a Report Number.

Equifax: 800-846-5279

TransUnion: 800-916-8800


Comparison between FAKO from Credit karma and FICO from Barclays and Citi.


Cards that give you free monthly FICO's


AMEX personal cards = EX 08 Switched to FAKO (VantageScore 3.0)
Chase Slate = EX (either 08 or Bankcard enhanced)
PSECU = EX 04

Citi branded cards = EQ 08 Bankcard enhanced
Citi AA = EQ bankcard enhanced
DCU= EQ 04
PenFed = EQ NextGen
Elements Financial (Credit Union, score available for without opening CC) = EQ 5

Barclays = TU 08
Discover it = TU 08
Walmart (store or MC) = TU 08
« Last edited by Lev26 on April 13, 2022, 02:28:07 AM »

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Author Topic: credit score  (Read 841142 times)

Offline Dovdovmoneytree

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Re: credit score
« Reply #4160 on: December 30, 2018, 06:37:29 PM »
Quote from: ludmila on December 30, 2018, 06:33:40 PM
Thanks, with all the abbreviations , I do not get it sometimes.

Hey, sorry!  ;) I used to also get thrown off but CK is a very common one on this forum. Here's a link to commonly used abbreviations on DDF https://forums.dansdeals.com/index.php?topic=10531.0
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Offline davidrotts63

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Re: credit score
« Reply #4161 on: December 30, 2018, 06:37:44 PM »
Not chase. But Discover and BofA does. Barclays too.
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Offline Dovdovmoneytree

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Re: credit score
« Reply #4162 on: December 30, 2018, 06:39:36 PM »
Quote from: davidrotts63 on December 30, 2018, 06:37:44 PM
Not chase. But Discover and BofA does. Barclays too.

Experian.com also provides it free of charge.
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Offline shmielyosef

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Re: credit score
« Reply #4163 on: December 30, 2018, 07:57:29 PM »
Quote from: Dovdovmoneytree on December 30, 2018, 06:39:36 PM
Experian.com also provides it free of charge.
This is a new thing. Is it a trial or they're keeping it this way from now on?
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Offline Dovdovmoneytree

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Re: credit score
« Reply #4164 on: December 30, 2018, 08:17:34 PM »
Quote from: shmielyosef on December 30, 2018, 07:57:29 PM
This is a new thing. Is it a trial or they're keeping it this way from now on?

Not sure but it's been around for a good few months. They try to sell you other stuff but the Fico8 score (and Experian report) is 100% free.
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Offline shmielyosef

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Re: credit score
« Reply #4165 on: December 30, 2018, 08:18:29 PM »
Quote from: Dovdovmoneytree on December 30, 2018, 08:17:34 PM
Not sure but it's been around for a good few months. They try to sell you other stuff but the Fico8 score (and Experian report) is 100% free.
I only noticed the score about a month and a half ago. Thought it was a free trial or something
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Offline as2

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Re: credit score
« Reply #4166 on: December 30, 2018, 08:30:55 PM »
Quote from: shmielyosef on December 30, 2018, 08:18:29 PM
I only noticed the score about a month and a half ago. Thought it was a free trial or something
It went free when they had their data breech IINM
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Offline shmielyosef

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Re: credit score
« Reply #4167 on: December 30, 2018, 08:36:32 PM »
Quote from: as2 on December 30, 2018, 08:30:55 PM
It went free when they had their data breach IINM
When did experian have a data breach?
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Offline as2

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Re: credit score
« Reply #4168 on: December 30, 2018, 08:41:02 PM »
Quote from: shmielyosef on December 30, 2018, 08:36:32 PM
When did experian have a data breach?
Sorry! I was thinking equifax!
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Offline JACKBLUE

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Re: credit score
« Reply #4169 on: December 31, 2018, 07:33:04 AM »
Quote from: davidrotts63 on December 30, 2018, 06:37:44 PM
Not chase. But Discover and BofA does. Barclays too.
So does Citi.
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Offline Boruch999

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Re: credit score
« Reply #4170 on: January 13, 2019, 01:13:44 PM »
I just noticed that the IRS soft pulled my Ex in Dec 2017.  Is that unusual?
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Offline ludmila

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Re: credit score
« Reply #4171 on: January 14, 2019, 04:15:55 AM »
Quote from: Boruch999 on January 13, 2019, 01:13:44 PM
I just noticed that the IRS soft pulled my Ex in Dec 2017.  Is that unusual?
Very unusual.
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Offline ExGingi

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Re: credit score
« Reply #4172 on: January 14, 2019, 07:24:32 AM »
Quote from: Dovdovmoneytree on December 30, 2018, 04:32:31 PM
AMEX stopped providing a FICOscore8. They now provide the Vantagescore3.0, same garbage CK uses!
Source?

Mine says it's FICO 8.
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Offline Boruch999

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Re: credit score
« Reply #4173 on: January 14, 2019, 07:37:43 AM »
Quote from: Boruch999 on January 13, 2019, 01:13:44 PM
I just noticed that the IRS soft pulled my Ex in Dec 2017.  Is that unusual?
Quote from: ludmila on January 14, 2019, 04:15:55 AM
Very unusual.

It seems it was related to over the phone ID verification.
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Offline ExGingi

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Re: credit score
« Reply #4174 on: January 14, 2019, 01:23:26 PM »
Quote from: ExGingi on January 14, 2019, 07:24:32 AM
Source?

Mine says it's FICO 8.

This is what it says under the score given with my Amex EDP.

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Offline davidrotts63

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Re: credit score
« Reply #4175 on: January 14, 2019, 01:29:25 PM »
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Offline ExGingi

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Re: credit score
« Reply #4176 on: January 14, 2019, 01:46:57 PM »
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Offline davidrotts63

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Re: credit score
« Reply #4177 on: January 14, 2019, 01:48:22 PM »
Quote from: ExGingi on January 14, 2019, 01:46:57 PM
Any reason (before changing to Vantagescore) to use that on top of Discover's https://www.creditscorecard.com
Not sure I understand the question. But Discover is a FICO...
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Offline ExGingi

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Re: credit score
« Reply #4178 on: January 14, 2019, 02:36:51 PM »
Quote from: davidrotts63 on January 14, 2019, 01:48:22 PM
Not sure I understand the question. But Discover is a FICO...

I was asking if before AMEX changed to Vantage Score, was there any benefit to getting it in addition to having the Discover FICO?
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Offline davidrotts63

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Re: credit score
« Reply #4179 on: January 14, 2019, 02:43:16 PM »
Quote from: ExGingi on January 14, 2019, 02:36:51 PM
I was asking if before AMEX changed to Vantage Score, was there any benefit to getting it in addition to having the Discover FICO?
Aha. IINM they used different CRAs, otherwise not.
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